CHECKING ACCOUNTSMADE TO FIT YOUR LIFE.

GET AN "A+" INMANAGING MONEY.

Start Moving Forward with a SunTrust Checking Account

Wherever you are headed in life, SunTrust has personal checking accounts designed to help you manage your money on your terms. No-fee features and account options make it simple for you to be in control of your finances.

A few quick updates to your routine can help streamline the bill-paying process.

DISCLAIMERS

Checking Account Features

1 SunTrust does not charge a fee for the use of SunTrust Online Banking with Bill Pay. However, fees may apply for certain transactions like expedited payments and transfers to non-SunTrust accounts.

2 Mobile Banking: SunTrust does not charge a fee for the use of SunTrust Mobile Banking or Tablet Banking. If you do not already have a data plan with your wireless service provider, normal data rates will apply.

3 Mobile Deposit: SunTrust Mobile Deposit is available for iPhone and Android Mobile Apps and iPad App - only for use in the United States and its territories.

4 No Fee for SunTrust ATM Use. Fees do apply for ATM-printed statements or mini-statements.

5 Zero Liability protection does not apply to ATM transactions or to PIN transactions not processed by Mastercard, or certain commercial card transactions. You must notify us promptly of any unauthorized use.

6 All credit cards are subject to credit approval based upon your credit history and other factors. Additional terms and conditions apply, which SunTrust will provide to you when you become an enrolled program member. See the Mastercard Benefits Guide you will receive with your new card when you become a cardholder.

Balanced Banking

1 Cash Rewards Redemption: After the close of the billing period in which the Cash Rewards are earned, if your Card Account is in Good Standing, upon your request, SunTrust will redeem your Cash Rewards in U.S. dollars with a minimum of $5 and any greater amount (not to exceed the total Cash Back earned, but not yet redeemed, on your Card Account at time of redemption). You may redeem your Cash Back for (1) a statement credit or (2) an ACH credit to the deposit account that you designate. Cash Rewards earned on Consumer Card Accounts that are redeemed through an ACH deposit into a SunTrust checking, savings, or money market account will receive a cash back bonus of 10%. On $100 in base Cash Rewards, you would earn an additional $10, totaling $110 in Cash Rewards earnings.

2 In instances where your account becomes overdrawn, you will not be assessed an overdraft fee. Items may be returned for non-sufficient funds (NSF) in the account and the returned item fee will be reduced to $20 for each transaction $5 or greater, instead of the standard $36.

1 Cash Rewards Redemption: After the close of the billing period in which the Cash Rewards are earned, if your Card Account is in Good Standing, upon your request, SunTrust will redeem your Cash Rewards in U.S. dollars with a minimum of $5 and any greater amount (not to exceed the total Cash Back earned, but not yet redeemed, on your Card Account at time of redemption). You may redeem your Cash Back for (1) a statement credit or (2) an ACH credit to the deposit account that you designate. Cash Rewards earned on Consumer Card Accounts that are redeemed through an ACH deposit into a SunTrust checking, savings, or money market account will receive a cash back bonus of 10%. On $100 in base Cash Rewards, you would earn an additional $10, totaling $110 in Cash Rewards earnings.

2 Banking Transactions include: Deposit and withdrawal transactions made (includes transactions such as those made with the assistance of a teller, at an ATM, or by Direct Deposit, mobile device, wire transfer, Online Banking transfer, automatic transfer, telephone transfer, Popmoney transfer, ACH debit or credit, online bill pay, mobile bill pay, check, or Debit Card purchases including PIN Point of Sale (POS) and signature-based purchases). These transactions must be posted to your account during the statement cycle. Bank fees and overdraft protection transfers are not included.

3 A qualifying Direct Deposit is an electronic credit to your account of your salary, pension, Social Security or other regular monthly income totaling $500 or more deposited to your account during the statement cycle by your employer or an outside agency. Transfers from one account to another or deposits made at a banking location or ATM do not qualify as a Direct Deposit.

4 The Essential Checking Student Waiver provides a checking account with no monthly maintenance fee for up to 5 years. Any individual is qualified as a student if they are currently attending High School, College/University, or Technical/Trade Schools. Proof of active enrollment in a qualifying educational institution is required. The Student Waiver is applied automatically at account opening and based on Account Opening Date. The Student Waiver cannot be applied/added-on to a checking account once it is opened.

Select Checking

1 Additional Essential Checking accounts available with no Monthly Maintenance Fee when linked to Select Checking.

3 Cash Rewards Redemption: After the close of the billing period in which the Cash Rewards are earned, if your Card Account is in Good Standing, upon your request, SunTrust will redeem your Cash Rewards in U.S. dollars with a minimum of $5 and any greater amount (not to exceed the total Cash Back earned, but not yet redeemed, on your Card Account at time of redemption). You may redeem your Cash Back for (1) a statement credit or (2) an ACH credit to the deposit account that you designate. Cash Rewards earned on Consumer Card Accounts that are redeemed through an ACH deposit into a SunTrust checking, savings, or money market account will receive a cash back bonus of 10%. On $100 in base Cash Rewards, you would earn an additional $10, totaling $110 in Cash Rewards earnings.

4 A qualifying Direct Deposit is an electronic credit to your account of your salary, pension, Social Security or other regular monthly income totaling $2,000 or more deposited to your account during the prior month by your employer or an outside agency. Transfers from one account to another or deposits made at a banking location or ATM do not qualify as a Direct Deposit. Any maintenance fees will be assessed on the following month's statement.

6 SunTrust First Mortgage with SurePaySM: Purchase first mortgage loans financed through SunTrust Mortgage, Inc. with payment automatically deducted from this account using SurePaySM. SurePaySM is a monthly electronic debit via ACH of SunTrust Mortgage loan payment from this account. Sufficient funds must be in the client’s bank account at time of automatic debit.

7 Linked Small Business accounts include Total Business Checking and Business Advantage Plus only.

Signature Advantage Checking

1 Additional Essential Checking accounts available with no Monthly Maintenance Fee when linked to Signature Advantage.

2 SunTrust fees assessed for transactions done at non-SunTrust ATMs are waived and all ATM surcharge fees will be refunded for Signature Advantage accounts.

3 If you redeem your Cash Back for ACH credit into a SunTrust checking, savings, or money market account, you will receive a Cash Back Bonus of 25%.

4 Cash Rewards Redemption: After the close of the billing period in which the Cash Rewards are earned, if your Card Account is in Good Standing, upon your request, SunTrust will redeem your Cash Rewards in U.S. dollars with a minimum of $5 and any greater amount (not to exceed the total Cash Back earned, but not yet redeemed, on your Card Account at time of redemption). You may redeem your Cash Back for (1) a statement credit or (2) an ACH credit to the deposit account that you designate. Cash Rewards earned on Consumer Card Accounts that are redeemed through an ACH deposit into a SunTrust checking, savings, or money market account will receive a cash back bonus of 10%, 25%, or 50% on redemption, depending on your deposit relationship with SunTrust, as follows:

Clients with SunTrust Signature Advantage® accounts and $100,000 or more in Combined Consumer Deposits and Investment Balances with SunTrust as of the second business day of the prior month or clients in the Premier Banking Program, will receive a cash back bonus of 50%. On $100 in base Cash Rewards, these clients would earn an additional $50, totaling $150 in Cash Rewards earnings.

Clients with SunTrust Signature Advantage® accounts and less than $100,000 in Combined Consumer Deposits and Investment Balances with SunTrust as of the second business day of the prior month will receive a cash back bonus of 25%. On $100 in base Cash Rewards, these clients would earn an additional $25, totaling $125 in Cash Rewards earnings.

All other clients who redeem their Cash Rewards into a SunTrust checking, savings, or money market account will receive a cash back bonus of 10%. On $100 in base Cash Rewards, these clients would earn an additional $10, totaling $110 in Cash Rewards earnings.

5 For clients with Signature Advantage accounts and $100,000 or more in combined consumer deposits and investment balances as of the last business day of the prior month, a reduced annual fee of $25 will apply. For clients of the SunTrust Premier Program, a reduced fee of $25 will apply. For SunTrust Private Wealth Management Clients, the annual fee will be discounted to $0. For cards opened before July 25, 2015 and not associated with a Signature Advantage account, the annual fee is $95. The reduced annual fee for certain client segments applies regardless of deposit account type. For clients whose relationship segment changes, the annual fee will be adjusted upon the next annual fee billing date.

Services provided by the following affiliates of SunTrust Banks, Inc.: Banking and trust products, including investment advisory products and services, are provided by SunTrust Bank, member FDIC. Trust and investment management services are provided by SunTrust Bank, SunTrust Delaware Trust Company and SunTrust Banks Trust Company (Cayman) Limited. Securities, brokerage accounts, insurance (including annuities) and investment advisory products and services are offered by SunTrust Investment Services, Inc., a SEC registered investment adviser and broker-dealer, member FINRA, SIPC, and a licensed insurance agency. Investment advisory services are offered by SunTrust Advisory Services LLC, SunTrust Investment Services, Inc., and GenSpring Family Offices, LLC, each of which is registered as an investment adviser with the U.S. Securities and Exchange Commission. Mortgage products and services are provided by SunTrust Mortgage, Inc.

"SunTrust Advisors" may be officers and/or associated persons of the following affiliates of SunTrust Banks, Inc.: SunTrust Bank, our commercial bank, which provides banking, trust and asset management services; SunTrust Investment Services, Inc., a SEC registered investment adviser and broker-dealer, which is a member of FINRA and SIPC, and a licensed insurance agency, and which provides securities, annuities and life insurance products, and other investment services; SunTrust Advisory Services LLC, a SEC registered investment adviser which provides Investment Advisory services.

SunTrust Robinson Humphrey is the trade name for the corporate and investment banking services of SunTrust Banks, Inc. and its subsidiaries, including SunTrust Robinson Humphrey, Inc., member FINRA and SIPC.